How do I know if I qualify for a subsidy?

It depends on household size and expected income vs the federal poverty level. In 2026, subsidies extend well into the middle class in many states.

Is a private PPO always more expensive?

Without subsidies, no — often they're comparable at similar network levels. With subsidies, a subsidized Marketplace plan is usually cheaper.

Interactive Comparison

Marketplace vs Private PPO — Interactive Comparison

Marketplace plans can be heavily subsidized based on income. Private PPO plans skip the Marketplace, are usually available year-round, and often have broader networks — but no subsidy.

Marketplace vs Private PPO

Feature	ACA Marketplace	Private PPO
Subsidy eligible	Yes (income based)	No
Enrollment window	Open Enrollment + SEPs	Usually year-round
Network breadth	Varies — often HMO/EPO	Typically broader PPO networks
Pre-existing conditions	Fully covered	Fully covered on ACA-compliant options
Best for	Income-eligible households	Higher-income households, travelers, year-round enrollment